Your full retirement age is 66

Remember, the earliest a person can start receiving Social Security retirement benefits will remain age 62.

If you start receiving retirement benefits at

  • age 62, you will get 75% of the monthly benefit because you will be getting benefits for an additional 48 months.
  • age 65, you will get 93.3% of the monthly benefit because you will be getting benefits for an additional 12 months.

If you start receiving benefits as a spouse at your full retirement age, you will get 50% of the monthly benefit your spouse would receive if his or her benefits started at full retirement age. If you start receiving benefits at

  • age 62, you will get 35% of the monthly benefit instead of 50% because you will be getting benefits for an additional 48 months.
  • age 65, you will get 45.8% of the monthly benefit instead of 50% because you will be getting benefits for an additional 12 months.
How Your Social Security Benefit Is Reduced
62  75.0%  35.0%
62 + 1 month 75.4 35.2
62 + 2 months 75.8 35.4
62 + 3 months 76.3 35.6
62 + 4 months 76.7 35.8
62 + 5 months 77.1 36.0
62 + 6 months 77.5 36.3
62 + 7 months 77.9 36.5
62 + 8 months 78.3 36.7
62 + 9 months 78.8 36.9
62 + 10 months 79.2 37.1
62 + 11 months 79.6 37.3
63 80.0 37.5
63 + 1 month 80.6 37.8
63 + 2 months 81.1 38.2
63 + 3 months 81.7 38.5
63 + 4 months 82.2 38.9
63 + 5 months 82.8 39.2
63 + 6 months 83.3 39.6
63 + 7 months 83.9 39.9
63 + 8 months 84.4 40.3
63 + 9 months 85.0 40.6
63 + 10 months 85.6 41.0
63 + 11 months 86.1 41.3
64 86.7 41.7
64 + 1 month 87.2 42.0
64 + 2 months 87.8 42.4
64 + 3 months 88.3 42.7
64 + 4 months 88.9 43.1
64 + 5 months 89.4 43.4
64 + 6 months 90.0 43.8
64 + 7 months 90.6 44.1
64 + 8 months 91.1 44.4
64 + 9 months 91.7 44.8
64 + 10 months 92.2 45.1
64 + 11 months 92.8 45.5
65 93.3 45.8
65 + 1 month 93.9 46.2
65 + 2 months 94.4 46.5
65 + 3 months 95.0 46.9
65 + 4 months 95.6 47.2
65 + 5 months 96.1 47.6
65 + 6 months 96.7 47.9
65 + 7 months 97.2 48.3
65 + 8 months 97.8 48.6
65 + 9 months 98.3 49.0
65 + 10 months 98.9 49.3
65 + 11 months 99.4 49.7
66 100.0 50.0
*If your birthday is on the 1st of the month, then we figure the benefit as if your birthday were the previous month.